1. Bring the bank card (i.e. debit card) opened in China CITIC Bank and valid identity documents to the counter of any branch of the bank to apply for the "Personal Online Banking Certificate"; 2. After applying for the certificate successfully, according to the selected certificate type (file certificate or USBKey mobile certificate): 1), if it is a mobile certificate, you can get the USBKey loaded with the certificate on site, and you need to download the USBKey driver before using it; 2) If it is a document certificate, you will get a certificate download code (provided in the form of password letter or email). The certificate download code is the only identification for downloading the certificate, which needs to be properly kept, and it is valid within 14 days. Note: If there is any problem with downloading the certificate or USBKey driver, please contact customer service of CITIC Bank.